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The comparison reads the same evidence fields used by broker profiles, so users can scan scores, regulation, costs, platforms, withdrawals, and caveats side by side.

Broker 1

Broker 2

VS field	Swissquote swissquote.com Multi Asset BrokerStock BrokerETF	DEGIRO degiro.com ETF BrokerMulti Asset BrokerETF
Decision summary
Overall score

Trust score	93	100

Cost score	82	92

Platform score	94	92

Withdrawal score	77	89

Best for	Best suited for Swiss and international clients wanting a regulated bank-backed multi-asset platform with strong securities, forex/CFD and crypto coverage; high-risk leveraged pro…	European self-directed investors seeking low-cost access to stocks and ETFs · Investors who prefer web/mobile platforms and exchange-traded products

Watch out	Needs verification	Needs verification

Trust & regulation
Regulators	FINMA (Swiss banking licence) plus FCA, DFSA, SFC, MFSA, MAS, CSSF/ECB, CySEC and FSCA for group entities. Source	Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB. Source
License numbers	Some entity licence numbers are disclosed (FSCA 43908, CySEC 422/22); FINMA/SFC/DFSA authorisations are described by type rather than numeric licence on the checked pages. Source	Financial licence number not disclosed in reviewed official sources. Commercial registrations found: flatexDEGIRO Bank SE HRB 141330 on flatexDEGIRO Bank SE imprint; DEGIRO UK footer states HRB 105687; Dutch Branch KvK 82510245. Source
Regulated entities	Group structure lists Swiss FINMA bank plus regulated UK, Dubai, Hong Kong, Malta, Singapore, Luxembourg, Cyprus and South Africa entities. Source	DEGIRO is operated by flatexDEGIRO Bank Dutch Branch, a branch of flatexDEGIRO Bank SE; flatexDEGIRO Bank SE is a licensed German bank headquartered in Frankfurt am Main. Source
Negative balance protection	For Swissquote Bank Ltd Swiss/ROW forex/CFD disclosure, losses can exceed initial investment and clients may need to deposit more funds; no negative balance protection found for this entity. Source	No negative balance protection found. Official account-profile page warns losses can exceed deposit and result in a negative Balance for derivatives, margin and short-selling services; margin profiles are legacy-only. Source
Investor compensation	Deposit protection up to CHF 100,000; investor compensation for securities needs manual confirmation by entity/product. Source	Cash in flatexDEGIRO Bank SE Cash Account protected up to €100,000 per customer under German Deposit Guarantee Scheme; investor compensation covers up to 90% of non-returned assets, max €20,000 per customer; UK FSCS does not apply. Source
Restricted countries	Products/services on the Swiss website are in particular not intended for U.S. residents; other availability is jurisdiction/entity dependent. Source	Available via listed country selector in Europe/UK; US persons are not accepted; UK onboarding for new clients was temporarily unavailable on the reviewed UK page. Source

Trust & regulation

Regulators

FINMA (Swiss banking licence) plus FCA, DFSA, SFC, MFSA, MAS, CSSF/ECB, CySEC and FSCA for group entities.

Source

Primarily supervised by BaFin and Bundesbank in Germany; Dutch branch registered with DNB and supervised by AFM and DNB.

Source

License numbers

Some entity licence numbers are disclosed (FSCA 43908, CySEC 422/22); FINMA/SFC/DFSA authorisations are described by type rather than numeric licence on the checked pages.

Source

Financial licence number not disclosed in reviewed official sources. Commercial registrations found: flatexDEGIRO Bank SE HRB 141330 on flatexDEGIRO Bank SE imprint; DEGIRO UK footer states HRB 105687; Dutch Branch KvK 82510245.

Source

Regulated entities

Group structure lists Swiss FINMA bank plus regulated UK, Dubai, Hong Kong, Malta, Singapore, Luxembourg, Cyprus and South Africa entities.

Source

DEGIRO is operated by flatexDEGIRO Bank Dutch Branch, a branch of flatexDEGIRO Bank SE; flatexDEGIRO Bank SE is a licensed German bank headquartered in Frankfurt am Main.

Source

Negative balance protection

For Swissquote Bank Ltd Swiss/ROW forex/CFD disclosure, losses can exceed initial investment and clients may need to deposit more funds; no negative balance protection found for this entity.

Source

No negative balance protection found. Official account-profile page warns losses can exceed deposit and result in a negative Balance for derivatives, margin and short-selling services; margin profiles are legacy-only.

Source

Investor compensation

Deposit protection up to CHF 100,000; investor compensation for securities needs manual confirmation by entity/product.

Source

Cash in flatexDEGIRO Bank SE Cash Account protected up to €100,000 per customer under German Deposit Guarantee Scheme; investor compensation covers up to 90% of non-returned assets, max €20,000 per customer; UK FSCS does not apply.

Source

Restricted countries

Products/services on the Swiss website are in particular not intended for U.S. residents; other availability is jurisdiction/entity dependent.

Source

Available via listed country selector in Europe/UK; US persons are not accepted; UK onboarding for new clients was temporarily unavailable on the reviewed UK page.

Source

Costs & account conditions
Minimum deposit	Forex/CFD accounts: Standard min deposit USD 1,000; Premium USD 10,000; Prime USD 50,000; Professional volume based. Source	No fixed minimum deposit identified; DEGIRO homepage says users can add any amount of money to the account for free. Bank-account verification search result states minimum EUR 0.01 for linking a new bank account. Source
Spread from	Forex spreads from 1.1 pips on EUR/USD (Prime); Standard from 1.7 pips; CFDs from 0.03 point on OIL/USD. Source	Not a quoted-spread CFD/FX broker field. DEGIRO discloses that bid-ask spreads are implicit market costs and not direct broker costs. Source
Commission	Forex no commission; stocks/ETFs from CHF 3; funds and bonds from CHF 9; options/futures from CHF/EUR 1.50; crypto from 0.08%; stock CFD commissions apply by account tier. Source	Examples from UK fee page: US stocks €1 + €1 handling; LSE £1.75 + £1 handling; selected ETFs €0 + €1 handling; global ETFs €2 + €1 handling; options €0.75 commission. Currency, connectivity, external product and spread costs may apply. Source
Maximum leverage	Swissquote advertises leverage up to 1:100 for forex and up to 1:50 for CFDs on the Swiss site. Source	DEGIRO currently does not allow new changes to margin-trading profiles; legacy Active/Trader/Day Trader accounts may have Debit Money / derivatives risk but maximum leverage was not disclosed in reviewed sources. Source
Deposit fee	Incoming wire transfers free; supported crypto wallet deposits free for equivalent USD 500+ and USD 10 under that amount. Source	No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees. Source
Withdrawal fee	Crypto withdrawals show USD 10 or USD 15 depending on asset; cash outgoing payment fees require account/payment-fee table review. Source	No withdrawal fee disclosed on UK fee page and homepage; withdrawals listed as FEE €0 / no deposit-withdrawal fees. Source
Inactivity fee	Forex/CFD inactivity fee: 10 account currency units/month after 6 months inactivity. Source	No inactivity fee; UK fee page lists inactivity fee as €0. Source

Costs & account conditions

Minimum deposit

Forex/CFD accounts: Standard min deposit USD 1,000; Premium USD 10,000; Prime USD 50,000; Professional volume based.

Source

No fixed minimum deposit identified; DEGIRO homepage says users can add any amount of money to the account for free. Bank-account verification search result states minimum EUR 0.01 for linking a new bank account.

Source

Spread from

Forex spreads from 1.1 pips on EUR/USD (Prime); Standard from 1.7 pips; CFDs from 0.03 point on OIL/USD.

Source

Not a quoted-spread CFD/FX broker field. DEGIRO discloses that bid-ask spreads are implicit market costs and not direct broker costs.

Source

Commission

Forex no commission; stocks/ETFs from CHF 3; funds and bonds from CHF 9; options/futures from CHF/EUR 1.50; crypto from 0.08%; stock CFD commissions apply by account tier.

Source

Examples from UK fee page: US stocks €1 + €1 handling; LSE £1.75 + £1 handling; selected ETFs €0 + €1 handling; global ETFs €2 + €1 handling; options €0.75 commission. Currency, connectivity, external product and spread costs may apply.

Source

Maximum leverage

Swissquote advertises leverage up to 1:100 for forex and up to 1:50 for CFDs on the Swiss site.

Source

DEGIRO currently does not allow new changes to margin-trading profiles; legacy Active/Trader/Day Trader accounts may have Debit Money / derivatives risk but maximum leverage was not disclosed in reviewed sources.

Source

Deposit fee

Incoming wire transfers free; supported crypto wallet deposits free for equivalent USD 500+ and USD 10 under that amount.

Source

No deposit fee disclosed on UK fee page and homepage; deposits listed as FEE €0 / no deposit-withdrawal fees.

Source

Withdrawal fee

Crypto withdrawals show USD 10 or USD 15 depending on asset; cash outgoing payment fees require account/payment-fee table review.

Source

No withdrawal fee disclosed on UK fee page and homepage; withdrawals listed as FEE €0 / no deposit-withdrawal fees.

Source

Inactivity fee

Forex/CFD inactivity fee: 10 account currency units/month after 6 months inactivity.

Source

No inactivity fee; UK fee page lists inactivity fee as €0.

Source

Markets, platforms & payments
Tradable assets	Broad multi-asset product set spanning securities, derivatives, forex/CFDs, crypto, money markets and banking FX. Source	Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability. Source
Trading platforms	Swissquote app for securities/crypto; CFXD, MT4, MT5, TradingView and Autochartist for forex/CFDs. Source	DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android. Source
Account types	Forex account types are Standard, Premium, Prime and Professional. Source	DEGIRO account/profile types include Basic, Active, Trader, Day Trader and Custody. Active, Trader and Day Trader are legacy-only and new margin profiles are no longer available. Source
Deposit methods	Account funding is via cash transfers/bank details, securities transfers and supported crypto wallet deposits; card/e-wallet funding was not verified from official pages checked. Source	Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency. Source
Withdrawal methods	Withdrawals are supported through outgoing cash transfers, securities transfers out and supported cryptocurrency wallet withdrawals. Source	Withdrawals go back to the primary registered/linked bank account; only uninvested cash in the Cash Account can be withdrawn. Source
Withdrawal processing time	Withdrawal processing time was not disclosed on checked official public pages; payment section inside logged-in account may contain details. Source	Withdrawals may take up to 2-4 working days; transfers can take up to 2-3 working days to complete. Source

Markets, platforms & payments

Tradable assets

Broad multi-asset product set spanning securities, derivatives, forex/CFDs, crypto, money markets and banking FX.

Source

Shares, ETFs, bonds and derivatives such as options and futures; DEGIRO product pages also describe investment funds availability.

Source

Trading platforms

Swissquote app for securities/crypto; CFXD, MT4, MT5, TradingView and Autochartist for forex/CFDs.

Source

DEGIRO provides a web/desktop trading platform (Webtrader) and mobile apps for iOS and Android.

Source

Account types

Forex account types are Standard, Premium, Prime and Professional.

Source

DEGIRO account/profile types include Basic, Active, Trader, Day Trader and Custody. Active, Trader and Day Trader are legacy-only and new margin profiles are no longer available.

Source

Deposit methods

Account funding is via cash transfers/bank details, securities transfers and supported crypto wallet deposits; card/e-wallet funding was not verified from official pages checked.

Source

Manual bank transfer from a verified linked/reference bank account; deposits must use the account base currency.

Source

Withdrawal methods

Withdrawals are supported through outgoing cash transfers, securities transfers out and supported cryptocurrency wallet withdrawals.

Source

Withdrawals go back to the primary registered/linked bank account; only uninvested cash in the Cash Account can be withdrawn.

Source

Withdrawal processing time

Withdrawal processing time was not disclosed on checked official public pages; payment section inside logged-in account may contain details.

Source

Withdrawals may take up to 2-4 working days; transfers can take up to 2-3 working days to complete.

Source

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